Answer a few questions and get matched to the plan that fits your debts. A calculator shows exactly where each paycheck goes, which debt to attack first, and the month you'll be debt-free.
Enter your paycheck, bills, 401(k) match, and debts. It matches you to a plan and shows your monthly split, payoff order, debt-free date, and how much you'll have invested in 10 years.
Step-by-step chapters for each one, including the common mistake that costs grads the most money on that path.
RAP, the Tiered Standard Plan, who counts as a new borrower, and why consolidating at the wrong time can lock you out of your options.
What to do each month, when you get a raise, and when something goes wrong, so the plan keeps working after week one.
About 20 minutes with your statements, your loan servicer's app, and your benefits portal.
The calculator matches you to your plan and builds your monthly split in seconds.
Turn on autopay, follow your steps, and update your numbers once a month.
I graduated in May 2026 with an engineering degree and started my first job, and I hit the same wall you probably have. Loan payments were about to start, I wanted to invest, and every source told me something different.
So I built the plan I wished I'd had. It runs on simple math: the interest rate on each debt decides where your next dollar goes. It's the same plan I'm following myself.
Founder, Grad Payoff PlanAll sales are final. Because this is a digital product with instant access to everything, I can't offer refunds. Read through what's inside and the questions below before you buy.
No. It's an educational guide and calculator that teaches a method and shows you the math. It doesn't recommend specific investments. For advice on your exact situation, talk to a licensed professional.
No. You type your numbers into the calculator yourself. They stay in your browser and aren't sent or saved anywhere.
Yes. It's built for anyone in the first few years of their career who's juggling debt and wants to start investing.
There's a full plan for that, covering refinancing, cosigner release, and the order to pay them off.
No. You get instant access to the full guide and calculator, so all sales are final. If something isn't working, like a page not loading, email me and I'll fix it.
Yes. It explains RAP, the Tiered Standard Plan, which plans are ending, and how to tell whether you're an existing or new borrower.